The Real Question About Retirement Taxes Nobody Asks

Описание: Roth is taxed up front; Traditional is taxed later. The real question: how much of each account is actually yours after tax—your “my-money amount.” Scott walks through the same-rate = same-result rule, then the 5 reasons outcomes differ: (1) future tax rate up → Roth, (2) future rate down → Traditional, (3) maxing space makes Roth dollars more valuable, (4) retirement flexibility using multiple buckets, and (5) policy risk—why some Roth helps hedge changing laws. We also hit timing for Roth conversions and annual income limits.
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Disclosure: Educational only. Not tax or legal advice.

Chapters (short & clean)

0:00 Roth vs Trad isn’t the real Q
0:22 Meet your “My-Money Amount”
1:06 Same-rate = same-result (the rule)
1:32 Reason 1: Expect higher future bracket → Roth
1:50 Reason 2: Expect lower future bracket → Traditional
2:16 Reason 3: Maxing space makes Roth dollars stronger
2:38 Reason 4: Flexibility—mix buckets to control taxes/IRMAA
3:09 Reason 5: Policy risk—hedge with some Roth
3:55 Timing: conversion window & annual limits
4:45 Plan it now—protect your “my-money amount”
5:14 CTA — Subscribe & book a consult


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